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Insurance Talk V6!, Everything about Insurance
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ezryezan
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 Mar 30 2020, 11:56 PM
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New Member
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Hello all !
I'm surveying an insurance right now and not sure which is good but currently looking at Great Eastern takaful product called i-Great Aman.
1. I would like to know if its the right Company to start my insurance journey with due this is my first insurance ? Any tips ?
2. Do I always need to depend on my agent ?
3. Will there be any issues that I will face for claiming or hospitalisation when needed ?
4.Here is what were offered to me as below:
Monthly contribution: RM 200
Yearly contribution: RM 2400
Perlindungan Total Permanent Disability/Death : RM 60,000
Manfaat Khairat Kematian : RM 2,000
Manfaat Tambahan Pampasan penyakit kritikal : RM 25,000
Manfaat Kematian Kemalangan : RM 10,000
Manfaat Cacat Kekal Kemalangan : RM 10,000
Manfaat Emergency Accident Outpatient Treatment : RM 3,000
Medical Card Benefit
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✔Room & board RM150
Coverage up to 180 days
✔Annual limit RM 900,000
✔Lifetime limit = Unlimited
✔Full coverage Takaful (100% Great Eastern Takaful cover)
✔Hospitalisation Benefit. Daily Cash Allowance RM100, tambahan RM50 jika mendapat rawatan di hospital kerajaan.
✔Manfaat waiver. -Sekiranya peserta didiagnos salah satu dari 45 penyakit kritikal atau cacat kekal, caruman takaful peserta akan dipercumakan sehingga berumur 70 tahun.
Saving fund
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10YRS - RM 9,588
15YRS - RM 16,811
20YRS - RM 22,819
30YRS - RM 25,260
Free Car Assistance program: 1 No. Plate Kereta
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ezryezan
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Mar 31 2020, 12:03 AM
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New Member
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QUOTE(hft @ Mar 30 2020, 11:59 PM) Make sure ask experience from those already claim from insurances as well. Buying promised policy is one thing. Yes true ! Thank you for notifying me about this issue.  I would like to know about the claiming whoever have experienced with GE before ? |
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ezryezan
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Mar 31 2020, 02:46 PM
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New Member
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QUOTE(GE-DavidK @ Mar 31 2020, 01:07 AM) 1. Looks good to me. Every agent has their own style of designing a policy. So make sure you understand how each rider can satisfy your needs. You can consider conventional plans if you are ok to explore. 2. There is a reason why you pay commission to your agent. It is to rely on him whenever you have a question or claim arises. It is all about the professional service to keep you informed. The agent also has to be able to commit to this career long term. 3. Preferably if your agent can do the claim process for you because agent understands your policy better and can do the follow up process for you. So we also need to depend on our agent a bit for the claims and process. I heard there is some cases that when the agent is no more with the Company, that time the person under the agent will face some difficulties right ? Thank you for your kind advice. |
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ezryezan
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Mar 31 2020, 02:51 PM
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New Member
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QUOTE(lifebalance @ Mar 31 2020, 10:36 AM) GE medical benefits are a little outdated compared to other insurance company. You don’t really depend on agent nowadays unless when it comes to claims or change of info. Agents job is to give a sound financial advise from time to time Thank you for your advice on GE. So, I need to explore other Insurance as well. Can you explain more details about not depending on agents ? I really need to more. |
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